| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | — | AETNA | $103K | $8K | $112K | 4.53% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | AETNA | $20K | — | $20K | 0.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | — | AETNA | $20K | — | $20K | 4.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 | — | RELIANCE STANDARD | $8K | $2K | $9K | 11.22% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | RELIANCE STANDARD | $5K | — | $5K | 5.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $1K | — | $1K | 4.38% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | VISION SERVICE PLAN | $537 | — | $537 | 2.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 | — | STANDARD | $9K | — | $9K | 40.08% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | STANDARD | $154 | — | $154 | 0.72% |
| PAYLOCITY CORPORATION3 | — | STANDARD | — | $67 | $67 | 0.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | — | GUARDIAN | $4K | $522 | $4K | 23.58% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | GUARDIAN | $1K | — | $1K | 6.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 | — | METLIFE LEGAL PLANS | $333 | $402 | $735 | 19.37% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | METLIFE LEGAL PLANS | $48 | — | $48 | 1.26% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | AETNA | 268 | $3.0M |
| Dental(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 185 | $107K |
| Vision(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 149 | $112K |
| Life insurance | STANDARD | 47 | $21K |
| Long-term disability | RELIANCE STANDARD | 45 | $83K |
| Prescription drug(2 contracts) | AETNA | 268 | $2.9M |
| Other(2 contracts, 2 carriers) | CLAREMONT BEHAVIORAL SERVICES | 180 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.